Photo: Nyttend · Public domainFEMA puts Campbell’s expected hazard damage per building below that of 98% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Campbell gets an A+ for hazard risk: lower expected damage per building than 98% of U.S. towns, #26 of 993 in Ohio. Most of that expected damage is river and rain flooding (76%), then tornadoes (11%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Campbell faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Tornadoes
Hail
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Campbell’s grade
River and rain flooding is 76% of the building damage FEMA expects in Campbell, and Campbell’s rate of river and rain flooding damage is lower than 88% of U.S. census tracts. Next is tornadoes at 11% (higher than 59% of U.S. census tracts).
A+ #26 of 993 in Ohio; lower expected damage per building than 98% of U.S. towns (21,298).
Campbell’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
The typical Ohio town has lower expected damage than 79% of U.S. towns; within the state, Campbell has less expected damage per building than 97% of Ohio towns.
In dollars, FEMA expects about $1.1M a year in losses across Campbell: $802K to buildings, the rest to people and crops.
Does Campbell flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Campbell. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Campbell isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Mahoning County.5 federal disasters brought FEMA money to Campbell
Disasters that paid out in Campbell itself (aid to households or repair grants to the City of Campbell), newest first, with that year’s flood claims.
- 2019Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, and Mudslide12 households applied for aid$4K aid approved
- 2004Severe Storms and Flooding46 households applied for aid$53K aid approved
- 2004Severe Storms and Flooding94 households applied for aid$58K aid approved
- 2003Tornadoes, Flooding, Severe Storms, and High Winds223 households applied for aid$306K aid approved$255K to the City of Campbell for repairs
- 2003Severe Storms and Flooding9 households applied for aid$18K aid approved
Mahoning County has had 9 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Campbell after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Campbell archive →Campbell and its neighbors
Campbell has the lowest expected damage per building of the 4 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Campbell | A+less damage than 98% | river and rain flooding | 0 |
| Youngstown | A+less damage than 96% | river and rain flooding | 40 |
| Coitsville Township | Aless damage than 94% | river and rain flooding | 1 |
| Struthers | A−less damage than 80% | river and rain flooding | — |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Campbell faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Campbell
Is Campbell at risk for natural disasters?
On FEMA’s National Risk Index, Campbell has lower expected damage per building than 98% of U.S. towns: A+ for hazard risk, #26 of 993 in Ohio. Most of the expected damage is river and rain flooding (76%) and tornadoes (11%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Campbell in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Mahoning County, 44% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Campbell?
FEMA’s Community Rating System list shows no discount for Campbell’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Campbell?
By FEMA money that reached Campbell, Tornadoes, Flooding, Severe Storms, and High Winds (2003): 223 households applied for aid, $306K approved, and $255K to the City of Campbell for repairs.
Is Campbell at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (76%), and Campbell’s rate for it is lower than 88% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Campbell.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Campbell’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.